What We Believe
Retirement Planning Solutions follows several core investment philosophies that are designed to maximize your return while minimizing your investment risk. These strategies originate from sound independent research in the academic community as well as numerous Nobel-Prize winners in Economics. We believe this well-documented and impartial research continues to prove much more successful rather than the speculative strategies that exist on Wall Street today.
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Markets are efficient and it is impossible to repetitively and consistently “beat the market.” Active managers try to beat the market however fail the majority of time. Hence, passive and index investment vehicles form the basis of our portfolio strategy which assure market returns. |
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Market Timing cannot be consistently predicted. Chasing performance is not prudent. |
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Our portfolio design methods are based on Modern Portfolio Theory. |
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Asset Allocation is the primary factor in determining long-term investment performance. Speculating on individual stocks or a few funds is not. |
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Broad-based global diversification increases investment return and minimizes investment risk. |
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Reducing investment costs will increase your investment returns. |
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Tax-Managed strategies reduce current taxes owed. |
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A systematic rebalancing approach increases return and lowers risk by buying low and selling high. |
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Avoid investment products that charge commissions. |
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Avoid “hot” tips. |